SJHIA and Arete Transitions
Out-of-Network Insurance Processing Review:
Arete Transitions has arranged for SJHIA to provide its clients (if desired) with assistance in the task of recovering expenses of treatment that may be payable by insurance. Arete Transitions does not participate in any medical or behavioral health networks. It is a private practice and is treated by healthcare insurance companies as an out-of-network provider.
Arete Transitions may connect you/your financial sponsor to an SJHIA representative to collect your insurance information, perform verification of benefits, and, with consent, will begin to file claims on your behalf. SJHIA will follow up with your insurance company from filing to adjudication of your claims. The primary member on the insurance plan must sign SJHIA’s Opt-in Form, agreeing to utilize SJHIA’s services. Arete Transitions will provide information to SJHIA
to allow SJHIA to perform tasks consistent with the above.
The healthcare insurance company is instructed to send payment directly to you/your financial sponsor along with an explanation of benefits (EOB) that explains the methods, policy, and rates they used to calculate a claim reimbursement.
Clients of Arete Transitions are asked to forward any and all insurance communication for services rendered by Arete Transitions to SJHIA. This includes an explanation of benefits, checks, medical records requests, etc. This will help SJHIA assist with timely and accurate adjudication of claims. Given that reimbursement is directed to the Plan Subscriber it is imperative that clients send SJHIA all communication to ensure accurate and timely adjudication of claims.
There is no fee to clients of Arete Transitions for the aforementioned services.
Who are SJ Health Insurance Advocates?
SJ Health Insurance Advocates, LLC (SJHIA) is a New Jersey-based company that specializes in behavioral health insurance authorization and claims management. Arete Transitions has arranged for SJHIA to help clients obtain reimbursement for treatment if they wish.
Subject to agreement by the financial sponsor / the primary on the insurance plan, SJHIA will work with the financial sponsor to verify insurance benefits and communicate to the financial sponsor such information as to whether the client has coverage for treatment, whether such coverage includes out-of-network providers, plan deductible, and out-of-pocket limits.
Arete Transitions will provide all required information to SJHIA in order to utilize insurance benefits. In turn, SJHIA will verify and communicate to the financial sponsor such information as whether the client has coverage for treatment, and whether such coverage includes out-of-network providers, plan deductible, and out-of-pocket limits.
Will SJHIA answer my questions about insurance benefits and authorizations?
SJHIA will provide answers to the many questions that arise regarding insurance benefits, along with advice on what approach will best serve you. To contact SJHIA, please complete the form below.
What level of care will SJHIA submit claims for?
SJHIA will file claims for the licensed therapeutic components of the program attended at Arete Transitions which the insurance industry generally recognizes as reimbursable expenses. This includes Group Therapy, Family Therapy and Individual Therapy.
Please be aware, that insurance plans reimburse a maximum of one Group Therapy session per day, one Family Therapy session per day, one Individual Therapy session per day. *Therefore, the claims that SJHIA files on your behalf, will often NOT add up to the full cost of your treatment at Arete Transitions.*
What level of service will SJHIA provide?
SJHIA will file claims for the above-referenced therapeutic components. If medical records are requested by the insurance carrier to substantiate treatment and claims, SJHIA will furnish those as well. If denied or if member appeal is needed to adjudicate claims, the client may request SJHIA via an additional contract and fee to perform the member appeal.
Additionally, all claims are submitted to reimburse the plan subscriber. Unfortunately, at times, the insurance carrier will mistakenly reimburse Arete Transitions. These reimbursements will be stopped and a request to reissue to plan subscribers will be made.
Is there a way to determine how much money I will receive back if claims are approved?
SJHIA can provide some guidance around your reimbursement based on your specific policy and the typically allowed amounts. Please see the following schedule of expected allowed amounts by service:
Is there a way to track claim submission and the status of claims?
Yes. SJHIA can be contacted at any time for status. Additionally, clients can directly access claim statuses and explanations of benefits on their insurance carrier’s website/portal. SJHIA can assist clients with setting up online accounts if needed.